{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-26-000082","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2026-10-21T20:07:15+00:00","discovered_at":"2026-10-21T20:09:02.877077+00:00","generated_at":"2026-10-21T20:09:25.530937+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Horizon Bancorp Q3 2026 EPS $0.56; net income $28.7M vs year-ago $222.0M loss","bullets":["Diluted EPS $0.56 vs $0.49 in Q2 2026 and $(4.69) in Q3 2025; net income $28.7M vs $24.9M linked quarter and a $222.0M loss a year ago.","Net interest income $65.2M, up 11.6% YoY; net FTE margin 4.37%, flat vs Q2 and up from 3.52% in Q3 2025.","ROA 1.73% and return on average tangible common equity 20.03%; efficiency ratio 53.85% vs 58.07% in Q2.","Deposits rose $81.2M (6.0% annualized) to $5.5B; gross loans HFI increased $46.9M, with total HFI loans up 3.7% linked-quarter annualized.","Provision for credit losses $1.3M; net charge-offs 0.10% annualized; NPAs $44.6M, or 0.68% of assets; ACL 1.04% of HFI loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-26-000082","json":"https://secwatch.observer/filing/0000706129-26-000082.json","markdown":"https://secwatch.observer/filing/0000706129-26-000082.md","text":"https://secwatch.observer/filing/0000706129-26-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/0000706129-26-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612926000082/hbnc-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:09:25.530937+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}